1. short-term overdue, and actively contact the bank after making up the arrears. If it is only a few days overdue, you must go to the bank in arrears as soon as possible to solve the problem. Because not all overdue records will be displayed in the personal credit report immediately, some banks will have a few days' tolerance, and some banks will not report overdue records to the central bank's credit information center until next month. It's not too late to give up the treatment of children's shoes at this stage! 2 overdue for more than 90 days, pay off the arrears and maintain good credit habits. If it is overdue for a long time, it should not only be reported to the credit bureau, but also pay a penalty interest while paying off the arrears. Attention! Don't be discouraged, as long as you continue to maintain good consumption habits, bad records will be automatically eliminated after 5 years. ...... 3. It is human nature to ask the bank to issue a "non-malicious overdue certificate" if it is unexpectedly overdue. If you are overdue due to unemployment, illness, going abroad, etc. Take the initiative to contact the bank to explain your actual situation and issue a "non-malicious overdue certificate", and the loan can still be repaid. 4 overdue, submit the "objection application" ...